BRIEF DESCRIPTIONThe product officer supports the day-to-day administration, origination, processing, and monitoring of the bank's risk asset products. They assist in designing and developing products, liaise with various departments, conduct credit analysis, and prepare reports on product performance.
---
Access Bank Plc is a financial institution with presence in 9 countries in Africa and the United Kingdom and in all major cities in Nigeria. Also referred to as the Africa's Bank of Best Practice, Access Bank operates on a platform of strong ethics, governance and professionalism.
We are recruiting to fill the position below:
Job Title: Team Member, SME Product Asset
Job Grade: ABO
Location: Lagos
Job Overview
The product officer is responsible for supporting the day-to-day administration, origination, processing, and monitoring of the bank's risk asset (credit/loan) products.
Key ResponsibilitiesSupport the design, development, and rollout of risk asset products (term/Time loans, overdrafts, working capital finance, asset finance, mortgage loans, SME loans, invoice discounting, etc.).
Liaise with Relationship Managers, Credit Risk Management, Legal, and Credit Operations to ensure smooth disbursement of approved facilities.
Assist in preparing Marketing proposals targeted at different sectors, develop product papers, and other internal credit related approvals for review by the supervisors.
Conduct preliminary KYC, customer eligibility profiling, and credit analysis.
Monitor performance of disbursed risk assets, monitor maturing obligations, and flag early warning signs of delinquency.
Maintain accurate product documentation and credit records in line with CBN and internal audit requirements.
Support data gathering and prepare periodic reports on Risk Asset portfolio performance, product profitability, and risk metrics (PAR, NPL, etc.).
Provide first-line product support to SME sales officers at branches and external customers where applicable, regarding features, pricing, and processes of risk asset products.
Assist in market research and competitor product benchmarking within the Nigerian banking industry.
Qualifications & Experience
Bachelor’s Degree in Business Administration, Economics, Finance or related fields.
Minimum 2 years of relevant experience.
Proficiency in MS Office (especially Excel, Word, PowerPoint), Power BI, SQL.
Basic knowledge of credit analysis and foundational financial statement analysis.
Skills/Competence Requirements:Understanding of risk asset products.
Familiarity with CBN Prudential Guidelines, IFRS 9 (basic), AML/CFT, and credit risk frameworks.
Strong numerical, analytical, and problem-solving skills.
Excellent written and verbal communication skills.
Attention to detail, accuracy, and strong documentation discipline.
Customer service orientation and good interpersonal skills.
Integrity, confidentiality, and high ethical standards.
Teamwork and willingness to learn.
Application Closing DateNot Specifred.
How to Apply
Interested and qualified candidates should:Click Apply Now button to apply
How To Apply
-
Make sure you are logged in and your email is verified (Register if you dont have an account).
-
Click the Apply Now button above.
-
Your default email application or application link will open.
-
Attach your Application letter, updated Curriculum Vitae (CV) and any supporting documents required.
-
Use a professional subject line such as Application for "Indicate Position"
-
Send your application before the closing date.
Note: Only shortlisted candidates are contacted.
